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Harrison Lilly

Owner/Operator | Harrison Lilly Emerald Coast | Harrison Lilly Realty | PLACE

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205 Windsor Way , Panama City Beach, FL 32413
$495,000
Est. Payment: $2,510.55/mo
4 Bed
2 Bath
2347 Sqft
Status: active | Days on site: 1
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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Harrison Lilly
Owner/Operator

House Description

Welcome home to Palmetto Trace -- one of Panama City Beach's most sought-after neighborhoods, and one of the best price per square foot homes in the community. This spacious 4-bedroom, 2-bathroom home offers 2,347 square feet of thoughtfully designed living space, giving you the room to spread out without the price tag you'd expect. Inside, you'll find generous living areas and bedrooms built for life -- room for family, guests, a home office, or all three. The kitchen area has been opened up and upgraded to give the home an even more open feeling. New roof in 2025, New HVAC in 2025, and freshly painted in 2026! Located in the heart of Palmetto Trace, you're just minutes from the sugar-white sands and emerald water Panama City Beach is famous for, plus nearby shopping, dining, and everything else that makes this stretch of the Gulf Coast so popular with buyers. Square footage this size at this price point doesn't last in this neighborhood. Homes with this kind of value are getting snapped up fast, and this one won't be the exception. If you've been waiting for the right combination of space, location, and price, this is it.

Highlights

Listed by Christopher C Jennings , 850-532-9449 CENTURY 21 AllPoints Realty , 850-230-4514. Bay County Association of REALTORS

Property Type

Residential

Lot/Acreage
0.18

HOA Fee

249 Quarterly

Year Built

2005

County

Bay

Area

03 - Bay County - Beach

Neighborhood

Palmetto Trace Phase IV

Listing ID

793913

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:4
  • Bathrooms:2
  • Full Bathrooms:2

Exterior Features

Lot Dimensions:65 X 120
Sewer:Public Sewer
Principal Interest
$2,511
Taxes
$372
HOA
$249

Home Price

$495,000

Loan Details

30 yrs
6.529%

Down Payment

20%
$99,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$2,510.55

Principal

Taxes

HOA

Principal Taxes HOA Total
Monthly $2,510.55 $371.97 $249.00 $3,131.52
Yearly $30,126.56 $4,463.64 $2,988.00 $37,578.20
Total $903,796.78 $133,909.20 $89,640.00 $1,127,345.98

Today's Rates

30 Year

6.53%

20 Year

6.33%

15 Year

5.93%

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Market insight data is pulled from the same city as the listing being viewed (Panama City Beach, FL).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Information provided by Bay County Association of REALTORS, and is deemed reliable but not guaranteed accurate.

IDX service by Blueroof 360

Data last updated: 2026-08-20T06:33:19.000Z

© 2026 Bay County Association of REALTORS